Straight answers on equipment financing, working capital and lines of credit, from a team with 20+ years in business funding.
One short inquiry with our trusted financing partner. Education and transparency first.
Step 1 of 3 · Financing type
Pick one to start your inquiry. About 2 minutes, 3 short steps.
Trust and clarity
LoanHelp
Built by a team with 20+ years in business funding
Our trusted financing partner
Founded by industry veterans in 2021 and surpassed $300 million in business funding
Our trusted financing partner
Rated 4.8+ on Google (100+ reviews)
* Our trusted financing partner works with businesses from their first day in operation — not a guarantee of approval.
About LoanHelp
“One of the best educational business finance sites on the web.”
From clients of our trusted financing partner
“Connected with a great finance company. Everyone we've spoken with has been friendly, professional, and very responsive! We look forward to continued interactions with them in the future!!!”
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How it works
One short inquiry tells us what your business needs. We connect you with our trusted financing partner so you can see your options.
About 2 minutes across 3 short steps. There is no obligation to accept any offer.
LoanHelp does not underwrite, approve, or decline financing, and we do not make credit decisions. Our trusted financing partner handles review and follow-up.
Our model
Submitting the same inquiry to many lenders can mean a flood of calls and conflicting messages. LoanHelp connects you with one trusted financing partner — one point of contact, equipment and industry focus, and a relationship instead of a marketplace auction.
We are not comparing dozens of anonymous bids. You share your details once, with your consent, and work with our trusted financing partner — built for business owners who need clarity.
Excavators, trucks, medical equipment, kitchen gear, CNC machines, service vans
Buy or lease the machine you need, new or used, from a dealer or a private-party seller. The equipment itself usually secures the financing.
Invoice factoring & receivables financing
When a customer pays on net-30 to net-90, you can advance against those invoices instead of waiting. Approval leans on your customers' payment history as much as yours.
Each fits a different situation. We'll tell you when one isn't a good fit — and point you to the product page that explains fees, timing, and tradeoffs.
Short-term funds for payroll, inventory, marketing, and everyday operations when revenue is lumpy.
Draw when you need it, pay interest only on what you use. Easier to open before a crunch.
Scheduled payments over a set term — when you need a lump sum, not a revolving line.
Free tools
Model bonus depreciation and Section 179 basics on equipment you buy or finance.
Example
Example: up to $185,000 Section 179 deduction
$185,000 equipment cost · $185,000 total placed in service · $320,000 taxable income · not a heavy SUV
2026 limits, IRS Publication 946
See whether net terms, retainage, and payroll leave a float you can cover.
Open calculator →Compare net operating income to debt payments before a term loan inquiry.
Open calculator →Describe your situation in your own words. Ask LoanHelp explains the options and the questions to ask, without a sales pitch.
My GC pays net-60. How do I make payroll in the meantime?
That gap is common in construction. Two options are worth comparing:
Invoice factoring. A factoring company advances most of an approved invoice now and pays the rest, minus a fee, when your GC pays.
A line of credit. You draw for payroll and repay when the check clears.
Worth asking any provider: the total fee on a 60-day invoice, recourse or non-recourse, and whether your GC is notified.